We Specialize in DHHL Purchases & Refinances on All Islands!

25+ Years of DHHL Mortgage Experience

                                                         Mary Joe Sato
                                                                                         Branch Manager

We will walk you thru the process from Pre-Approval to Closing!

Mary Joe founded Leaf Funding Mortgage to provide a better way for DHHL homebuyers to obtain home loans. With the intent of creating the best DHHL mortgage lending company, Mary Joe envisioned a world where the customer comes first. Our home loan experts provide quality mortgage services to our clients. They commit themselves to excellence, do the right thing and show people they care. Here at Leaf Funding Mortgage, we are a part of something greater than ourselves. A group of loan officers dedicated to improving our communities and changing people's lives. 

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DHHL Refinance Program

Refinancing your home can be overwhelming, especially when you might be unfamiliar with all of the detailed steps involved in the DHHL Home Refinance process. But investing time now to sort out your goals and devise a plan for how you’ll achieve them, can make your home refinance smoother and less stressful.

Is a refinance right for you?

A one-on-one personalized consultation with Mary Joe Sato can help you decide if a refinance is right for you. In order to determine the benefit of a potential refinance, it’s important to know what your goals are:

  • Lower your rate and monthly payment
  • Pull equity out for debt consolidation or home improvement
  • Convert your 30 year mortgage to a shorter term loan
  • Change an adjustable rate to a fixed rate

Just how much you can save will determine if refinancing is the right choice for you. By getting pre-approved upfront, you will know how much your monthly savings will be, but more importantly, how much total interest you can save over the life of the loan.

Here is the loan process:

  1. Step 1 – Get prepared and gather important documents
  2. Step 2 – Find the right refinance loan. (Streamline) to lower your payment OR (Cash-Out) equity withdrawl refinance.
  3. Step 3 – Complete the application.
  4. Step 4 – Order appraisal.
  5. Step 5 – Underwriting review.
  6. Step 6 – Review loan approval and conditions.
  7. Step 7 – Lock in interest rate.
  8. Step 8 – Sign closing documents

For A FREE Refinance Quote, Please Call (808)791-1044.

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DHHL Home Purchase Program

Buying a home can be overwhelming, especially for first-time buyers who might be unfamiliar with all the detailed steps involved in the process. But investing time now to sort out your goals and devise a plan for how you’ll achieve them, can make your DHHL house hunt smoother and less stressful.

We can work with your realtor or recommend one.

Here is the purchase loan process:

  1. Step 1 – Get Pre-Aprroved so you know what you can afford.
  2. Step 2 – Find the right Purchase loan. (FHA,VA,USDA,Conventional)
  3. Step 3 – Complete a borrower's application.
  4. Step 4 – Order appraisal on new property.
  5. Step 5 – Underwriting review.
  6. Step 6 – Review loan approval and conditions.
  7. Step 7 – Lock in interest rate.
  8. Step 8 – Sign closing documents. 

For A FREE Pre-Approval Purchase Quote, please call (808)791-1044.



Leaf Funding Mortgage is an FHA Lender, not affliated, nor endorsed by DHHL.
Leaf Funding Mortgage is not affiliated with any government agencies.

NMLS# CA-NMLS#1621985, CA-DRE#02037132, SATO-NMLS#50726, HI-NMLS#1631620